Pontiac Montana SV6 Insurance Rates

You have lots of choices when attempting to insure your Pontiac vehicle. You can buy from your neighborhood insurance agent or go online to check prices from many different companies. Finding cheaper auto insurance from online companies can be fast and easy and at the same time you will probably save money.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies competing for your business. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Which factors influence car insurance premiums?

Insurance rates on a Pontiac Montana SV6 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance Montana SV6 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your Pontiac is the year of manufacture. New vehicles have a higher actual cash value so the cost to replace them may end up costing you more. Conversely, newer models may have options such as an advanced theft deterrent system, all-wheel drive, and traction control that may help give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Montana SV6 from available model years below.

• 2006 Pontiac Montana SV6 Insurance Rates

Liability coverage

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Auto collision coverage

This pays for damage to your Pontiac resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Montana SV6 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Pontiac Montana SV6 Insurance Rates?